MONA ELGIN

Murfreesboro, TN ads1nk@r.postjobfree.com 615-***-****

Senior Mortgage Underwriter with active DE/CHUMS LAPP & SAR SUMMARY

Mortgage Underwriter offering 10+ years of successful mortgage underwriting for Rural Development/USDA Guaranteed Loans, VA, FHA, THDA, and Conventional loan types with extensive knowledge of loan products and guidelines, as well as Fair Lending Practices, HMDA, and Compliance. Received FHA DE CHUMS Certification, and VA LAPP SAR Certification. Hold B.A in Management and Human Relations. Successful Broker/Owner/Manager of Real Estate Office for 2 years. Associate Broker in Real Estate for 15 years. EXPERIENCE

Tidewater Mortgage, 200 Golden Oak Ct, Suite 450, Virginia Beach, VA 23452 Senior Underwriter, October 2021 - October 2022

FHA-DE/Chums certified, VA LAPP SAR certified, USDA, Conventional, Bond loans

Responsible for loan evaluation of credit, income, assets, capacity, collateral

Collaborate with other team members, production staff, and third party vendors

Ensure file is compliant with Agency and investor requirements

Ability to underwrite minimum of 2.5 to 3 new files daily and review 4 to 5 condition sets

Assist assigned work partner, and other team members with new files, conditions, final approvals, appraisal review, issuance of NOV(s) for VA appraisals, etc. when out on PTO or other leave of absence.

CrossCountry Mortgage, Brecksville, OH

Senior Underwriter, July 2021-September 2021

FHA – DE/CHUMS certified, VA LAPP SAR certified, USDA, Conventional, Bond loans

Responsible for evaluating loans in order to maximize risk or loss and examine loan documentation for accuracy and completeness

Collaborate with loan originator and production staff

Ensure compliance with investor standards

Ability to underwrite minimum of 2.5 to 3 new files per day and review 4 to 5 condition sets First Community Mortgage, Murfreesboro, TN

Senior Underwriter, January 2020 – July 2021

FHA – DE/CHUMS certified, VA LAPP SAR certified, USDA Conventional, Bond loans

Evaluate loans in order to maximize risk or loss and examine documentation for accuracy and completeness

Ensure high credit quality production and turn time standards are achieved

Provide loan decisions and/or credit recommendations based on review of underwriting criteria, including loan structure, collateral, interest rate, and fees.

Effectively commmunicate with processor and loan originator

Required to complete 4 to 5 touches per day, new files and condition sets.

Assist other team members with work load.

Guaranty Home Mortgage Corporation, (Formerly Guaranty Trust Company),Murfreesboro, TN Senior Underwriter, October 2010 – January 2020

FHA DE/CHUMS certified and VA LAPP SAR certified

Member of underwriting staff with full responsibility for efficient production of underwriting multiple types of mortgage loans.

Responsible for reviewing income, asset, collateral, credit, and identifying any evidence of risk layering, fraud, or non-compliance related to a loan.

Extremely knowledgeable with USDA/Guaranteed Loan programs, both purchase and refinance loan types.

Proficient underwriting conventional high balance, first and closed-end seconds, and THDA loans with FHA, USDA, and VA.

Intensely work-oriented, and production-driven, but also very conscientious about the quality of work and output for a saleable loan that meets investor guideline requirements for secondary market.

Skilled in effective communication, excellent customer service, and time management.

Possess excellent work ethics, very dependable, and self-endeavored to master skills and abilities to effectively execute the underwriting job function.

Required to underwrite minimum of 2.5 new files per day and at least 3 to 4 condition sets.

Assist other fellow underwriters with work overflow, or fill in for work partner PTO/ leave of absence . Bob Parks Realty, Northfield Blvd, Murfreesboro, TN Broker/Agent, August 2007 to October 2010

Performed acts of listing, selling, and auctioning residential real estate.

Consulting borrowers regarding home buying process, and prequalifying them prior to loan application with verbal inquiries regarding credit, income, assets, and calculating pitia with current interest rates.

Analyzing comparable market listings, previous sold properties and current pending properties to accurately determine projected listing price or sold price within market range.

Calculate seller’s net equity with mortgage payoff, seller commission, and other fees associated with sale of home to estimate seller’s net proceeds prior to closing. Vintage Realty Group, LLC, 2626 Merchants Walk, Murfreesboro, TN Owner/Managing Broker, March 2003 to August 2007

Managed group of 23 Affiliate Brokers in capacity of coaching, training and mentoring for listing and selling

Created marketing campaign for effective advertising to generate leads targeted to first time homebuyers and sellers in the market to sell and relocate to another home.

Offered new construction properties ranging from $250,000 to $2,000,000 from Rutherford County to Williamson county.

Participated in open houses, seminars, and community activities to give public awareness of loan programs, rates, downpayment assistance programs.

Hosted gatherings, and helped with community projects in an effort to give back with gratitude.

Profitable first year in business, grew from 5 agents to 23 by second year. Was awarded SBA loan to construct new real estate office building to house all the agents and clients. Clark Maples Realty and Auction Company, East College Street, Murfreesboro, TN Affiliate Broker, December 1996 - March 2003

Began real estate career as part-time agent while working full-time with State Farm. Trained and shadowed fellow real estate agents for listing properties, negotiating sales contracts, marketing and attending open houses for generation of new leads and clients in the market to buy or sell. Sold 3 open house properties the first year in the business.

Generated leads for new business with floor time calls, working after hours and weekends.

One of highest producers in the first year of being Affiliate Broker. State Farm Insurance Company, South Central Regional Office, Murfreesboro, TN West TN Division, Auto, January 1988 - December 1996

Responsible for documentation review of claim frequency, issuing cancellation, non-renewal notices

Issued SR-22 Filings

Communicated effectively with Underwriters, Assistants, and other departments

Excellent customer service skills exercised

Previous license for property and casualty insurance EDUCATION

Trevecca Nazarene School, Nashville, TN Graduated 1999 B.A., Management and Human Relations

Major in business of Management and Human Relations SKILLS

DE CHUMS and LAPP SAR Certified Underwriter

Encompass, Mortgagebot, Open-Close, GUS, LP, DU, WebLGY, Microsoft Office, Outlook

Collateral Underwriter, Condo Project Manager

Real Estate Broker/Associate Broker, Residential Real Estate

Evaluate residential real estate properties, draft, and prepare offers and paperwork, develop business leads, stage, and show properties, assist buyers, communicate effectively and use time management

Auto Insurance administrative review of documents, accidents, claims, cancellations, renewals LICENSES CERTIFICATIONS

Residential Real Estate Broker, TN Real Estate Commission (currently inactive) March 2003 DE CHUMS and LAPP SAR Certified DE – 2015, VA SAR - 2018 Paralegal Certification 1999

Previous Property and Casualty license 1998

TRAINING

Residential Real Estate Broker, TN Real Estate Commission, Murfreesboro 2004 to 2010 Associate Broker, TN Real Estate Commission, Murfreesboro, TN 1996 to 2003 TN Real Estate Education System, Nashville, TN

**References available upon request

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